Health Coverage

Your health is important. Protecting your health can be expensive. Nearly one fifth of all dollars spent in the USA are for health care. Your health insurance premium may be the largest payment in your family budget surpassing even your mortgage. And what about the type of plan? Who can make sense of deductibles, co-pays, pre-existing conditions and out-of-pocket expenses? Let us focus on a plan that protects YOU, so you can focus on living your best life!

The concept of health insurance can trace its roots back to 1850 when a firm was founded to provide insurance for employees if injured in the railroad and steamboat industries. Illness coverage dates to 1890. Prior to insurance for medical needs, patients had to pay for expenses out of their own pocket. In the 1920s, hospitals offered medical services to individuals on a pre-paid basis, but those services could be only used at that hospital.

During World War II, the federal government imposed price and wage controls to manage the labor market since there was a decreased supply of workers and increased demand for goods. Fringe benefits such as sick leave and health insurance were not considered wages and were exempt from the wage control. Employers responded with fringe benefits and especially health insurance to attract workers.

In the past, very attractive health insurance plans existed that were affordable and provided significant financial benefit. Unfortunately, for many Americans, that is no longer the case. You may now experience your health insurance premium to be the largest payment in your family budget surpassing even your mortgage. Health care dollars are now accounting for nearly 18% of GDP, meaning nearly one fifth of all dollars spent in the USA are for health care. This now amounts to over $3.5 Trillion dollars every year.

• High premium with high deductibles
• High cost with low or reduced value
• Significant out of pocket expense
• Frustration with limited options to choose from
• Anxiety and confusion over the right plan for you

• Enrollment at any time
• Potentially lower premium
• No deductible for most services
• First dollar coverage
• Preventative care
• Lower cost with high value
• Control over your medical care
• Reduced anxiety and confusion
• Clarity about the right option for you